You can go online to 365 to see the Phoenix Forum, or go directly to the community when you have time. There are specialized second-hand housing prices and intermediaries.

Second, the new policy of Wuhu provident fund loan?

First, the provident fund loan conditions

1. The applicant is a natural person with full capacity for civil conduct;

2. The applicant has a good credit record;

3. The applicant has stable economic income and repayment ability (the income certificate of the applicant must meet the format and content requirements of the income certificate of the provident fund center);

4. The applicant shall deposit the housing provident fund in a normal, continuous and full amount for more than 6 months (inclusive), and the monthly deposit amount shall meet the minimum requirements of the housing provident fund loan in our city. The housing provident fund approved by the center for construction or payment shall be regarded as continuous deposit; If the work unit is transferred, if the deposit interval between the new unit and the original unit is within 2 months (inclusive), it shall be regarded as continuous deposit. The housing provident fund approved by the center is included in the balance of housing provident fund deposit calculated by the loan amount;

5. The applicant's family can enjoy the housing provident fund loan policy for up to two times. After the applicant's family has settled the first housing provident fund loan for 6 months, they can apply for the second housing provident fund loan if they purchase improved housing and meet the conditions of the second housing provident fund loan;

6, the applicant has a legitimate owner-occupied housing transactions;

7. The applicant applies for housing provident fund loan within one year (inclusive) after signing the house purchase contract.

8. If you buy a second-hand house, you need to apply for a housing provident fund loan before the transfer. The specific process is as follows: signing a house purchase contract online → handling fund custody procedures → applying for a housing provident fund loan → transferring property rights → approving and signing a loan contract by a lending institution → handling mortgage procedures → approving before lending by the provident fund center → issuing housing provident fund loans;

9. The house purchased by the applicant can go through the formalities of property right transfer and mortgage, and agree to mortgage the house in full.

Second, the first set of housing provident fund loan interest rate

Since June 65438+ 10/day, 2022, the interest rate of the first individual housing provident fund loan has been lowered by 0. 1 5 percentage points. For less than five years (including five years), it will be adjusted from 2.75% to 2.60% and from 3.25% to 3. 10% for more than five years.

Third, the amount of provident fund loans.

1. When the family of the housing provident fund depositor in our city applies for the first housing provident fund loan, the maximum loanable amount will be adjusted to 400,000 yuan if a single person pays the housing provident fund, and 550,000 yuan if both husband and wife pay the housing provident fund;

2. When the family of the housing provident fund depositor in our city applies for the second housing provident fund loan: if a single person pays the housing provident fund, the maximum loan amount is adjusted to 350,000 yuan, and if both husband and wife pay the housing provident fund, the maximum loan amount is adjusted to 450,000 yuan;

Can I borrow money to buy a second-hand apartment in Wuhu now?

Wuhu can borrow money to buy second-hand apartments now. Of course, you can get a loan to buy an apartment, because now the apartment also has a real estate license, but the property right of the apartment is even smaller, which is a 40-year property right, but as long as we have a real estate license, we can apply for a mortgage loan at the bank. If you have a provident fund, then we can also apply for a loan with the provident fund, which is more cost-effective and the interest rate is particularly low.

4. Can I get a loan to buy a second-hand house now?

Second-hand housing can still be loaned, but it is difficult for ordinary banks to pass second-hand cars that are particularly old, such as more than 30 years old.